Montonio Payment Gateway

Overview

Montonio is a modern payment gateway platform designed for small and medium e-commerce businesses in the Baltics, Poland, and Finland. It makes online selling easier by bringing together payment initiation, card payments, “pay later” financing, refunds, and shipping into one system. Its goal is to help merchants sell more, lower transaction costs, and provide a smooth customer experience through a single integration. More than 8000 merchants trust Montonio, which has conversion rates above 97%. It also claims a sales increase of up to 10% due to its improved checkout flows.

Key Features

1. Multi-Method Payments

Montonio supports a wide range of payment methods, including:

• Bank payments (payment initiation) from major banks in Estonia, Latvia, Lithuania, Finland, and Poland.

• Card payments (Visa, Mastercard, AmEx) for both domestic and international customers.

• Mobile wallets: Apple Pay and Google Pay, optimized for fast one-tap mobile checkout.

• BLIK integration for Polish customers, including embedded in-checkout BLIK (no redirect) and traditional redirect flows. Available only in Poland.

• Pay Later / Financing: Interest-free installment payments (split into two or more payments) and merchant-funded financing options, with no service fees for merchants. Currently available in Estonia; Poland and other regions may follow.

Because Montonio combines these methods under one roof, merchants need only one integration to cover local and international ways to pay.

2. Seamless Integrations & Developer Tools

Montonio can be added to your stack within minutes via:

• Plug-and-play plugins for WooCommerce, PrestaShop, Magento, and OpenCart.

• A robust public Payments API and JavaScript SDK that allow custom storefronts to integrate directly with Montonio’s checkout flows.

• Single API key setup and no external coding required for standard platforms—ideal for non-technical merchants.

3. Checkout UX & Conversion

Montonio’s checkout systems are optimized for conversion:

• Embedded BLIK, Apple Pay and Google Pay flows reduce friction.

• Dynamic payment switching allows customers to change their payment method mid-process without losing progress, helping reduce cart abandonment.

• Montonio reports checkout conversion rates over 97%, and real merchant stories suggest up to 10% more sales after adoption.

4. Refunds and Order Management

Merchants can manage refunds quickly:

• Partial or full refunds through the Montonio Partner System, via store admin, or via ERP/integration API.

• This reduces manual accounting, speeds customer resolution, and improves trust.

5. Shipping & Label Management

Montonio includes a built-in shipping module:

• Supports carriers like Omniva, DPD, Venipak in Estonia, Latvia, Lithuania (more coming).

• One-click label generation, printing, order tracking pages, and pickup point selection all managed inside Montonio.

• Centralised dashboard to manage payments, orders, shipping, refunds, and reporting in one place.

Technical Architecture & Compliance

• All payment initiation is powered by Montonio Finance UAB, Lithuania-based licensed payment institution (license No LB002007 from the Bank of Lithuania). This gives EU-regulated coverage and peace of mind.

• Montonio’s infrastructure includes Smart Status Engine, JavaScript SDK, Payment Intents API, and clear audit trails for all transactions.

• They abide by fraud prevention standards, recommend PCI-DSS compliance, SSL/TLS encryption, anomaly monitoring, and other best practices for merchants.

Security & Regulatory Trust

Montonio is recognised for strong regulatory compliance and security:

• Licensed by the Bank of Lithuania to operate as a payment institution.

• Undergoes rigorous internal control audits, anti-money laundering (AML), and information security assessments.

• Encourages merchant-level fraud mitigation: SSL/TLS encryption, IP anomaly detection, 2-factor authentication, transaction monitoring.

Merchants can be confident they operate on a platform adhering to strict EU regulatory standards while delivering modern fintech capabilities.

Conclusion

As a modern payment gateway solution, Montonio delivers a unified stack of payments, financing, refunds, and shipping designed to help merchants grow with confidence. It offers better conversion, clearer pricing, streamlined workflows, and robust, secure infrastructure